What is a business owner’s policy?

Some businesses only need a single insurance policy, the business owner’s policy, to cover their needs. A BOP from Integra Insurance Services bundles the four most common types of commercial insurance into one policy at a discounted premium. If the business purchased all four coverages separately, the premiums would cost significantly more.

The BOP includes coverage for named perils, property damage, business interruption, and liability. The named peril coverage usually includes major perils, such as fire, explosion, wind, hail, smoke, and vandalism. This coverage leaves many items out however, you can opt for a higher level of coverage called all perils or all risk. This makes for a smart choice in Huntington, TX where droughts and tornados can wreak havoc.

The property damage component reimburses the cost of repairs to the structure’s contents. This covers damage or loss of personal property or office equipment. It also covers items belonging to a third party but stored on the property or within its close proximity (within 100 feet of the premises). This means you could have boxes stacked outside the rear door or barrels sitting on the front entry portico, and they would still receive coverage, although they were not technically inside the confines of the business structure.

Business interruption insurance covers your income lost when a named peril creates an unexpected break in the business. In some policies, this coverage also pays for you to operate out of a temporary location.

The liability coverage component protects you from a lawsuit wiping out your business. If an individual or group sues your business due to an injury incurred on the business’ property, your liability component pays:

  • the settlement, 
  • their medical bills, 
  • your legal fees, 
  • court costs.

Contact Integra Insurance Services serving Huntington, TX to learn more about business owner’s policies and other commercial insurance that can protect your business.

Tips for getting your home ready for winter

Your home is a major investment and making sure it is always protected from as many things that can go wrong as possible is important. There are many ways you can protect your home. Doing the necessary maintenance is one and having a good home insurance policy is another. How can you tell if you have a good home insurance policy? If you live in Huntington, TX, you can talk to the knowledgeable team at Integra Insurance Services. They will provide the information you need to make an informed decision and welcome you into the Integra family. 

Check the chimney

If you have a fireplace and you want to use it, you must make sure that not only is your chimney in good repair but that it is clean. Having a chimney fire can cause a lot of damage and it is easily avoidable with proper maintenance. 

Clean the gutters

One of the hallmarks of Fall is the beautifully colored leaves. Those same leaves end up falling on to your roof and eventually end up in your gutters and downspouts. This is not a good thing and can lead to water backing up and causing damage to not only your roof but potentially your walls and ceilings.  

Change the batteries

This is the time of year to change the batteries in your smoke and carbon dioxide detectors. They should be changed twice a year to provide safety. 

Tune-up the furnace

Having your furnace working at maximum efficiency saves you money and provides a safe home for your family. This involves cleaning  the main unit and changing the filters

At  Integra Insurance Services in Huntington, TX, we look forward to working with you to make sure you have the right home insurance. As independent agents, we can provide more choices and we will give you a quality home insurance quote at our office, on the phone, or online. 

In Case of Natural Disaster, Here’s What You Need To Know About Texas Auto Insurance

Unfortunately, natural disasters are occurring now more than ever due to the climate crisis. For Huntington, TX residents that means that floods, hail, strong winds, and storms are wreaking havoc on the area. In case one of these catastrophes damages your car, Integra Insurance Services has explained below what Texas locals need to know about their auto insurance.

Prepare With Your Insurance Company

1.         Make sure you have comprehensive auto insurance. This policy covers damage to your car caused by flooding, hail, fire, or wind.

2.         Double check what your deductible is in case you end up filing a claim.

3.         Make an inventory of what’s in your car. Similar to home insurance, this helps both you and your insurance company calculate any costs of damage. 

What To Do If A Natural Disaster Damages Your Car

Unfortunately, if your car was damaged or totaled from floods, hail, storms, or fire, you have to make a few calls.

•           File a claim as quickly as possible.

•           Keep a record of everyone you talked to.

•           Be ready to answer any questions about the damage.

•           Ask about completing an advanced payment if you need help ASAP.

What Insurance Companies Look For

After you file a claim for natural disaster damage, Integra Insurance Services and other insurance companies will compare the car’s actual cash value to the cost of repairs. 

•           If the cost of fixing it is more than its worth, then the car is considered totaled.

•           As another rule of thumb, if water from flooding reaches the dashboard, it’s considered a total loss.

Are you looking for comprehensive auto insurance or other insurance policies? Contact Integra Insurance Services in Huntington, TX for more information on how to protect your car, home, or business from instances like natural disasters.  

Why should I get toy insurance?

In the Huntington, TX area, there are a lot of great activities that you can enjoy in the great outdoors. To ensure that you are able to enjoy this area as much as possible, you should consider getting a recreational toy. When you have a recreational toy, you will be able to enjoy the area as much as possible. When getting a recreational toy, you should also get proper insurance for it. There are several reasons why you should get this coverage.

Coverage Will Give Liability Protection

One important reason to get a toy insurance policy is that it can provide you with liability protection. Whenever you operate any type of recreational toy, there is always a chance that an accident could occur. If you do cause an accident, you will need to pay for the ensuing damages. Fortunately, you can mitigate this risk if you get a proper toy insurance policy as it will include liability coverage.

Coverage Will Protect Your Toys

While using a recreational toy should be a lot of fun, it is also an important personal asset. Buying and maintaining a toy will take a lot of personal investment and you will want to protect this as well as you can. A great way to do this is with insurance. When you get recreational coverage, you can opt for a full policy that will cover you against virtually any risk that could result in a loss.

Choosing a recreational toy policy in the Huntington, TX area is a very big decision. If you are looking for coverage here, you should call Integra Insurance Services. The team at Integra Insurance Services can help to guide your decision.

Why Boat Insurance Is Important During The Winter

Integra Insurance Services assists the Huntington, TX community by providing residents with multiple types of insurance policies. We help our clients find coverage so that they will be protected in the face of life’s obstacles. We want you to become a part of the Integra Insurance Family.

Why Boat Insurance Is An Asset During The Winter

If you are a boat owner in the Huntington, TX area, boat insurance will protect you against some of the risks associated with operating a boat. The policy covers you in case there is an accidental fire or collision with another boat or object. You can add emergency assistance to cover you if your boat sinks or capsizes. If you are operating your boat with passengers onboard, liability coverage will protect you if someone gets injured on your boat. While you might not think that boat insurance is necessary during the Winter, the policy is actually an asset.

As you prepare to store your boat somewhere until things warm up again, there are a few things that you need to consider. Keep in mind that your boat is still at risk. There is a possibility that someone may steal your boat. A tree could fall over on your storage unit, which could cause serious damages to your boat. An object may fall over on your boat and cause a dent or a scratch. Perhaps a crack forms in the place where you are storing your boat, which could lead to your boat being damaged by inclement weather. Boat insurance allows you to have protection if an unforeseen circumstance arises. Make sure that you research different boat insurance policies carefully.

Integra Insurance Services Will Help You Protect Your Asset

Visit our website to learn more information about boat insurance policies.  

Insuring Your Family Heirloom Jewelry with Specialty Property Insurance

Specialty insurance remains so special that few people know what it really does so Huntington, TX’s Integra Insurance Services created this blog to let you know how to use this little-known type of policy. Most individuals who do know think of it in terms of event insurance. This is the type of policy that people usually purchase to protect their conference, convention, or wedding. 

You can also use this to protect jewelry, a common need when people get engaged since they want to protect the ring through the time of the wedding ceremony. It also protects family heirloom pieces though. A specialty property insurance policy has many uses and while this is not the most common, it does come in handy.

This type of policy can be a primary or a secondary. You can use the property insurance coverage in your home insurance as well as a specialty insurance policy to protect property such as family vases, furniture, jewelry, and other heirlooms. When you use it this way, it functions as a secondary policy.

When you purchase a specialty policy as coverage for an engagement ring, but you have no other insurance policy whatsoever, the policy functions as a primary policy.

Specialty policies protect both tangible and intangible property making them one of the most flexible types of insurance. You can purchase these policies to suit the items you need to insure. You might purchase a policy to cover your engagement ring for $5,000. Two years later, you might purchase a different specialty policy to insure the antiques left to you by a deceased relative in the amount of $500,000. These flexible policies can insure almost any amount as long as your insurance company will underwrite that amount.

Contact Huntington, TX’s Integra Insurance Services for more information on how you can protect your property with a specialty policy. It works as primary or secondary insurance and can cover any type of personal property.

Three mistakes to avoid when you purchase commercial insurance in Texas

Business owners need to understand the importance of having commercial insurance. We can help answer your questions about commercial insurance in Huntington, TX at Integra Insurance Services. 

The following are three mistakes you need to avoid when you purchase commercial insurance in Texas.

Failing to compare options between providers

There are many different insurance providers offering commercial coverage in Texas. You shouldn’t just accept a policy from the first provider you look into.

Instead, you should get quotes on policies from several different providers. Then, you can compare them and choose the one that would be best for your company’s needs and budget. 

Neglecting to perform a risk assessment

One important step you don’t want to skip when you buy commercial insurance coverage in Texas is performing a risk assessment at your company. A risk assessment involves pinpointing your liability risks. 

When you identify the liability risks that your company faces, you become aware of what types of coverage you need. It’s easy to overlook a significant liability if you don’t have a thorough risk assessment done before purchasing a policy. 

Being unaware of the various types of commercial insurance

Commercial insurance is a fairly complex product. There are many different kinds of commercial insurance coverage out there. It’s important to be familiar with these types of coverage to determine which ones you need.

Some of the most important kinds of commercial coverage are commercial auto, commercial property, commercial liability, and worker’s compensation coverage. Understand the different types of coverage and how they work before you purchase a policy. 

To learn more about commercial insurance options in Huntington, TX, get in touch with us at Integra Insurance Services. We can answer your questions and help you find adequate coverage for your commercial needs. 

Smart Tips for Buying Auto Insurance

Auto insurance is required in Huntington, TX, but that doesn’t mean that everyone gets the same coverage. At Integra Insurance Services, we’ll customize your auto policy to ensure you get the coverage you need for your lifestyle. If you’re in the market for auto insurance, the following tips can help you find just the policy you need.

Shop Around

Auto policies vary in coverage and price. Before buying your policy, take the time to shop around and see what’s available in your area. In addition to reviewing coverage and price, look for an insurance company that has a reputation for providing quality services so you don’t have problems in making a claim.

Cheap Isn’t Always Best

Although price is important, it’s not the best reason to choose a policy. Cheap insurance may not offer all the protection you need. Beware of compromising coverage for price.

Get Adequate Coverage

Make sure you get adequate coverage for your needs. If you own a new car, you’ll want coverage that helps cover your repairs in the event of an accident. Otherwise, you could wind up paying for car repairs out of pocket. You also need to ensure your policy fulfills Texas auto insurance requirements.

Ask about Discounts

If you have a good driving record, have safety features on your car, completed a driver safety course or drive infrequently, you could qualify for a discount on your auto coverage. By bundling your home and auto insurance, you can also get reduced rates on your coverage. Ask your insurer about discounts so you can take advantage of lower auto insurance costs.

The right auto insurance from the right insurer will give you the protection you need on the road. For quality auto coverage at reasonable costs, contact Integra Insurance Services, serving residents in Huntington, TX.

Can home insurance protect me and my property?

Those that live in the Huntington, TX area are going to have a lot of big decisions to make. One important decision to take seriously will come when you decide whether or not to purchase your next home. This area of Texas offers many great benefits to property owners. If you are going to purchase a property here, it would be a good idea to get home insurance. A quality home insurance policy can protect you and your asset in several different ways.

Insurance Gives Liability Protection

One advantage of home insurance is that it can give you liability protection. Anyone that owns a property should spend time thinking about their personal liability risk. Since there is always a small chance that you could be at fault in an accident, you will want a full home insurance policy as it can give you beneficial liability protection to meet your needs. 

Insurance Protects Assets

Another advantage of this insurance is that it can protect your assets. A home insurance plan will first give you coverage to repair or replace your home following a fire or other form of accident. Additionally, you can receive coverage that will protect your personal assets, which could include your furniture, clothing, or even personal electronics. 

If you are going to get a home insurance policy in the Huntington, TX area, it would be a good idea to get the guidance and support that you need to make a wise decision. For those that are in this area, speaking with the team at Integra Insurance Services would be a great option. If you do reach out to Integra Insurance Services, you can ask any questions that you have and get help to pick the right policy to meet your needs. 

Boat Insurance FAQs

Boating is a popular pastime in Huntington, TX. It’s a great way to get away from the hustle and bustle of the city and beat the Texas heat. However, before you hit the water, you must have the proper insurance coverage. At Integra Insurance Services, we offer insurance for many types of boat and watercraft. 

What Does Boat Insurance Cover?

This depends on the type of policy you have. 

Basic coverage options include:

  • Collision (damage to your boat)
  • Property damage liability (damage to another’s boat or property)
  • Bodily injury liability (covers other party’s medical expenses)
  • Comprehensive (covers damage that doesn’t happen on the water)

Does Home Insurance Cover My Boat?

Your homeowner’s policy likely provides some protection for your boat, but it may not be enough to cover the damages. Some policies only cover the boat when it is on your property, not when it’s on the water. In most cases, your homeowner’s policy doesn’t provide the coverage you need for your boat.

Sinking and Wreckage Removal

This is an important aspect of a boat insurance policy. If your boat sinks or wreckage has to be retrieved, the cleanup can be expensive. It’s recommended that you have a policy that covers sinking and wreckage removal. 

What’s the Difference Between Comprehensive and Collision?

Comprehensive and collision together will protect your boat from most types of damage. Collision means that your boat is on the water and collides with another object. This could be a dock, another boat, or rocks. Comprehensive coverage is for incidents not related to the use of your boat. If it is damaged during storage, for example. 

If you own a boat or watercraft in Huntington, TX,  contact Integra Insurance Services. We can provide the policy that best suits your needs, so you can enjoy your time on the water worry-free.